利用率定义和示例|

它是什么：

利用率 将个人总债务余额与总可用信贷进行比较。它有助于确定一个人的信用评分的一部分

工作原理（实例）：

利用率也称为信用利用率

用于查找利用率的公式如下：

利用率=（总债务余额）/（总可用贷项）

假设您有三张信用卡。一个信用额度为500美元，第二个信用额度为1,000美元，第三个信用额度为2,000美元。我们还假设你在所有三张卡上都有债务余额。

总债务余额= $ 1,000

可用信贷总额= 3,500美元（或$ 500 + $ 1,000 + $ 2,000）

将这两个因素纳入公式中，我们可以找到利用率：

利用率=（$ 1,000）/（$ 3,500）=.2857 = 28.57％

在此示例中，您的利用率为28.57％。换个角度看，这意味着你使用了可用信用额度的28.57％。

为什么这么重要：

你的 利用率 告诉潜在的贷方你欠多少债，多少钱您正在使用的可用信用额度。利用率越低，贷款人看起来越好（信用评分越高），因为您更有可能支付款项。

利用率高的人经常带着很多钱的债务或接近其最高信用额度。这对贷方来说看起来很危险，因为这个人在偿还债务时可能无法偿还债务。

大约30％的信用评分是使用利用率计算的。如果您想提高您的信用评分，您应该通过偿还过多的债务来保持较低的使用率。

[有关更多信用建设提示，请参阅完善信用的7步骤]

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